Get an insurance broker...they represent several companies and shop for you. They do all legwork and get you the best deal for overall situation. For example when I got the MH, broker said let's check progressive first as they are usually the best...turns out they had gone up a lot and she was able to roll it into current company for much less.
So easy to talk to one person and have them check everywhere. Not sure if I pay more than going directly with a company but when I first switched to them the rates I got beat my best shopping.